Target REDcard™ Credit Card

Target REDcard™ Credit Card

Target REDcard™ Credit Card

Target REDcard™ Credit Card

Target REDcard™ Credit Card


Card details

  • 5% off everyday at Target and

  • 30 extra days for returns and exchanges

  • Free 2 day shipping on hundreds of thousands of items

  • No annual fee

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer

    Get $50 off a future qualifying purchase $100 or more when approved for a RedCard (Offer ends 2/20/2021)

  • Intro APR


  • Ongoing APR

    Purchase: 22.90%, Variable

  • Foreign transaction fee


Recommended credit score

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NerdWallet review

By Claire Tsosie

Rating details


Editor's overall rating

Pros and cons

  • No annual fee

  • Relationship rewards for customers

  • New cardholder bonus offer

  • Must be a member/customer

  • Limited redemptions

  • High APR

  • Requires good/excellent credit

For frequent Target shoppers, the benefits offered on the Target REDcard™ Credit Card hit the bull's-eye.

This card features a generous 5% discount on all eligible Target purchases. Because you get those upfront savings at checkout, you don't need to worry about accruing and redeeming rewards. It also offers a 10% discount every year on your cardholder anniversary.

The annual fee is $0.

This card isn't the best choice if you plan to carry a balance since it comes with a steep ongoing APR: The ongoing APR is 22.90% Variable. But if you plan to pay your credit card bill in full every month and shop at Target regularly, it's a valuable offer.

For more information, read NerdWallet's full review.